Trusted advice and insurance solutions to protect what matters most.
Personal insurance throughout Michigan.
Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.
When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We'll make sure you have the right coverage specially designed for the unique exposures involved.
Individual Life Insurance
You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.
Individual Health Insurance
For those who don't have employer-sponsored health plans, an individual health insurance policy is a necessity. We'll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.
Excess Liability Insurance
Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.
Your pets are a part of your family. Cover them with pet insurance to help pay for vet bills and more.
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Off-Road Vehicle Insurance
Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.
Boat and Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We'll help you leave your worries on dry land and fully enjoy your time on the water.
Spending time on your yacht is a luxurious, relaxing pastime. But, the risks associated with yacht ownership can put a damper on your downtime if you're not fully protected. Our insurance advisors will review your risks and help you decide on coverage that keeps your investment afloat.
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We'll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Your snowmobile is used for recreation, but that doesn't mean that there aren't any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Traveling is exciting, but there are risks associated with every trip. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey.
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.
Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!
Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.
Rental Property Insurance
Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We'll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
High Net Worth Insurance
People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.